Hemlo's BRF analysis

HSB Bostadsrättsförening Enigheten i Karlstad

Org. no. 716411-2869 · Karlstad

Acceptable, with remarksBased on the 2024 annual report · Analysed 22 Apr 2026

Summary

HSB Bostadsrättsförening Enigheten i Karlstad receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report. The debt is 4,363 kr per square metre and the annual fee is 850 kr per square metre per year. Lower equity ratio than 99% of associations in Karlstad. The analysis highlights, among other things: Mycket svag soliditet, Okänt stambyte i 50-årigt hus, Kombinationsrisk: svag balansräkning plus stora kommande underhåll.

Compared with neighbouring associations

  • Higher fee per m² than 78% of associations in Karlstad
  • Smaller maintenance fund than 65% of associations in Karlstad
  • Lower equity ratio than 99% of associations in Karlstad

Association facts

Municipality
Karlstad
Built
1974
Apartments
38
Total area
2 347 m²

Identified risks

  • Very low equity ratioCritical
  • Unknown pipe replacement in a 50-year-old buildingCritical
  • Combination risk: weak balance sheet plus large upcoming maintenanceHigh

Details, assessments and suggested actions are part of the full analysis.

Full analysis

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  • Debt per square metre4,363 kr/m²

    Debt per square metre is the association's total loans divided by the total living area — one of the most important financial indicators for a housing cooperative.

  • Fee per square metre850 kr/m²/år

    Fee per square metre makes associations of different sizes comparable.

  • Savings per square metre
  • Fee trend
  • Loan structure and rate terms
  • Interest-rate sensitivity
  • Maintenance plan
  • Planned renovations

Frequently asked questions

Is HSB Bostadsrättsförening Enigheten i Karlstad a financially healthy housing cooperative?
HSB Bostadsrättsförening Enigheten i Karlstad receives Hemlo grade D (6 out of 10) in Hemlo's independent analysis of the 2024 annual report.
How high is the debt in HSB Bostadsrättsförening Enigheten i Karlstad?
The debt is 4,363 kr per square metre. Debt per square metre is the association's total loans divided by the total living area — one of the most important financial indicators for a housing cooperative.
How high is the fee in HSB Bostadsrättsförening Enigheten i Karlstad?
The annual fee is 850 kr per square metre per year. Fee per square metre makes associations of different sizes comparable.
What does Hemlo grade D mean?
Hemlo grade D means “Acceptable, with remarks”. The grade scale runs from A to G and is based on Hemlo's health score 0–10 — an independent assessment of the association's annual report. HSB Bostadsrättsförening Enigheten i Karlstad has a health score of 6 out of 10.